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About vmc-on-top

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  1. A long story but MBNA wrote to me, after sending SAR and stopping payments to say they would reduce the overall debt by 60%. Much too-ing and fro-ing and eventually, they called me to say they would reduce the overall sum by 80%! I called the day following to accept the offer, they said it was no longer available but didn't have an explanation why. Strangely, they sent out a letter a few days later saying the offer was open until X date (which was 6 weeks ahead), so I called to accept the offer again, and again they said the offer was no longer available. In the meantime, they "sold" the
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